PA SB1195

Requires health insurers in Pennsylvania to cover preventive services without cost-sharing (no deductibles, copays, or coinsurance) for services on a state-maintained preventive services list, which initially includes all services required under federal ACA guidelines as of January 1, 2025

Authorizes the Insurance Department to add or remove services from the preventive services list based on evidence-based ratings from the U.S. Preventive Services Task Force, CDC immunization recommendations, and HRSA guidelines, with a minimum 15-business-day public comment period required

Applies to most health insurance policies except grandfathered plans, Medicare supplements, workers' compensation, dental/vision only, and other limited benefit policies

Establishes enforcement penalties including fines up to $5,000 per violation ($10,000 for willful violations), with annual caps of $500,000 for insurers and $100,000 for other persons, plus potential license suspension or revocation

Takes effect only if federal preventive services requirements under 42 U.S.C. § 300gg-13 are repealed, invalidated by courts, or unenforced by the executive branch, serving as a state-level backstop to preserve coverage protections